Overall Investment Rating: 7.8/10 ⭐
DBS Group Holdings (SGX: D05) stands as Southeast Asia’s largest bank and a digital banking pioneer that has transformed from a local Singapore institution into a regional financial powerhouse. With record-breaking profits and an industry-leading ROE of 18.0%, DBS demonstrates exceptional financial performance while maintaining strong growth prospects across Asia’s dynamic markets.
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Business Model Breakdown 🏗️
DBS operates through three core segments that drive its diversified revenue streams:
Consumer Banking/Wealth Management (47% of income) 💰
This powerhouse segment generated SGD 5.28 billion in H1 2025, focusing on retail customers across Asia. The wealth management division has become a standout performer, with fees surging 25% year-over-year to SGD 649 million in Q2 2025 alone. DBS has built one of Asia’s largest wealth platforms with SGD 432 billion in assets under management, serving everyone from…
